If you want to use the tools, and you don't mind that they're behaving like someone who has only recently graduated and therefore still needs a lot of handholding (i.e. not actually "agentic") for anything above junior-grade, they are absolutely worth it, being much cheaper than any human anywhere in the world.
But the limit is they act like juniors, and will say "yes certainly" in a naïve-looking or fawning fashion to social-engineering-pattern attacks. You can replace juniors, but only juniors.
If you want investment advice: it's a massive bubble, and there's no obvious way for any company to make money by selling these capabilities because (1) there's no monopoly on supply so they're fighing on who can have the lowest profit margin, and (2) even without that, we're not very many years away from fancy models running on (normal) local hardware.
What works is people. Learning, building communities, relationships. Invest in yourself and you can't go wrong